The results are in. Studies have shown that over 90% of investment returns can be attributed to asset allocation. Get a plan for your retirement accounts and savings and stick with it.
Index Funds
Don't waste your time picking stocks or mutual funds … over time, index funds outperform because they don't have high expenses. It's a long-term strategy designed to match the market, not beat it.
Low Cost ETFs
Exchange Traded Funds are the way to go ... stay away from mutual funds with high fees & sales loads. Pick ETFs and you'll get the lowest fees and keep the most for yourself and your retirement.